| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.82% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 0.87% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 5.16% |
| TIMOTHY L. KENNEDY3 Filed as: TIMOTHY L KENNEDY | PO BOX 608 GEORGETOWN, TX 78627 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.61% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $557 | $557 | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $326 | $326 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | HARTFORD LIFE AND ACCIDENT | — | $296 | $296 | 0.73% |
| TIMOTHY L. KENNEDY3 Filed as: TIMOTHY L KENNEDY | PO BOX 608 GEORGETOWN, TX 78627 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $85 | — | $85 | 4.22% |
| MARSH & MCLENNAN AGENCY LLC3 | 8144 WALNUT HILL LANE SUITE 1600 DALLAS, TX 75231 | PROVIDENT LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 3.13% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 603 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $43K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $43K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 618 | $138K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 619 | $134K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 658 | $232K |
| Other(5 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 618 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 658 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.